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Length of Boat Loans. Fixed rate boat loan terms are available from 15, 20 years, the terms available are based on the amount you are looking to borrow. The rate of your boat loan is determined by many key factors outside of your credit score.
A new boat can be financed for 120 months or more which means after 10 years of wear and tear on your boat you could still be making payments.15 year or 20 year loans are available for more expensive purchases. new boat can be financed for 120 months or more which means after 10 years of wear and tear on your boat you could still be making payments.